Date Received: 2024-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am XXXX XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and this is not showing on XXXX. Also, this charge-off account shows a {$9200.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I'm an oXXXX XXXX at the XXXX XXXX XXXX and I received an email addressed to XXXX saying that there was a XXXX XXXX XXXX XXXX available with one of the XXXX at the school, so I reached out to the number in the email. I explained my situation to them and they requested I send my resume. He asked some interview related questions, all sounding very in line with a XXXX XXXX XXXX They offered me the job and stated they would send documents vial email, at first glance, it showed that it was from the professors edu email, so I continued communications. He said i'd be starting right away and sent me my fist task, which was wo look up a laptop model, a laser ink printer, and a line dater stamp, and then he said to send him a cost estimate of the items, which I did.After completing the task he said he'd be sending me my first payment of {$350.00} along with the {$2000.00}, which I would need to purchase the items. He gave me very specific instructions on how to do a mobile deposit for the check, which included printing it the check, then endorsing it and adding my account number to the back of it for future direct deposits, and to then send him a screenshot proving it had been deposited. He said the funds would need to be available immediately to purchase the items. After doing this, he stated he had reached out to a sales rep who had the items ready, and that I would now need to send them the funds immediately so that they could ship me the items. He eventually told me that I was going to have to pay for the items out of pocket, and I proceeded to tell him that I did not have those kinds of funds. He reached back out saying he had spoken with his rep and that only half would be required to get the items shipped, fearing I was now holding up the Universities money, and desperately needing this job, I told him that I had {$800.00}, which he said was ok to get things moving. He then told me to XXXX the {$800.00} to XXXX XXXXXXXX XXXX XXXX and to send a screenshot afterwords. However, my bank thought this was suspicious and said since it was a new recipient that it was going to take 24 hours to release the funds. I sent them the proof he requested showing that I had initiated the transfer, and he responded back shortly stating that the funds had not been received, and to call my bank and see if I could recall the money and send it through XXXX instead. I called the bank and advised that the funds had been sent out, so I called them back and told them that the bank said the funds were already in his account. By this time my older brother responded to my earlier request to borrow money, and told me it sounded like a scam, so I quickly called my bank, explained the situation and filed a claim with them. They used XXXX to initially contact me, advising me to contact XXXX XXXX XXXX at ( XXXX ) XXXX for the internship opportunity, which I did, and then I was contacted from the email XXXX showing, as well as XXXX I have all of the emails. I filed a police report with the XXXX XXXXXXXX XXXX ( XXXX ), as well as a report with IC3.gov, and one with the FTC ( Report # : XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I received a text on a Sunday - that my credit card was used at XXXX XXXX XXXX for {$630.00} & card was declined + XXXX at XXXX for {$230.00} was approved - asked did I authorized this activity. I called the Bank of America # on my card, waited over 2 hours & said " NO '' Basically advised to call back on Monday. I also contacted XXXX & they said they couldn't do anything until credit card company advised. Called on Monday & said " NO '' again & was advised to throw away my card & they would issue a new one. XX/XX/XXXX I received something from them which said they were temporarily crediting my account the {$230.00} while they " researched '' my claim. What is to research - I didn't authorized the used of my credit card. I have never been to that place. Chargeback Response from paperwork said unintelligible stuff that credit card # & name, address and expiration date were verified for " All day dining premium '' at {$230.00}. Again, I did not do this - after XXXX I received the {$230.00} on my credit card and they still expect me to pay this. I did not do this! Do I contact XXXX again? What do I do? Credit card company is no help. Don't have anything really to attach - I did not authrorize this!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47715
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX of XXXX I made a utility payment in the amount of {XXXX} in an error and overpaid my utility for my XXXX XXXX XXXX XXXX bill. The bill due had already been paid. I overpaid in the amount of XXXX}. Once I realize that I contacted the bank on XX/XX/year> the bill pay representative contacted the California water service company that I overpaid the amount and verified that it was in fact an overpayment. XXXX XXXX XXXX advised the bill pay representative that they would be refunding the money, the same way it was paid by electronic bill pay. The Bank of America customer service representative documented that information from XXXX XXXX XXXX in an email and forward it to me. Several weeks had gone by and I recontacted Bank of America and they said they didnt get the transfer for the refund. I then contacted California water service company and they indicated they had in fact documentation of the refund being sent back to Bank of America on XX/XX/year>. I contacted Bank of America and they advised they did receive the refund. However, they were not going to put the funds back into my account because they were doing an investigation to see if in fact it was my rightful money coming back to me. They had already confirmed this by contacting the XXXX XXXX XXXX XXXX on their own several times however they are refusing to give me my money back theyre withholding the {XXXX} that I overpaid the XXXX XXXX XXXX my utility. In fact, they even went as far as saying, the only way that they would process a temporary credit in the amount of {XXXX was if I was overdrawn, which doesnt make sense to me. which in essence theyre saying that I would have to have a XXXX balance or go into a negative overdraft and a crew a fee before they would give me the money which is rightfully mine to begin with {XXXX Bank of America is unlawfully withholding, my electronic refund that has been several times verified that it is in fact a refund from an overpayment that had already been sent back to the bank, the same way it was paid out. I believe theyre violating my fourth amendment rights due to an unlawful XXXX or withholding money that is legally and rightfully mine. I am a retired, law-enforcement officer, and in no way have I ever heard of any banking institution withholding money that is rightfully consumers. I feel they are fraud, the consumers so that they can hold onto money and a crew interest on their end. Bank of America needs to be audited for this reason. Surely I can not be the only one that they are doing this to this is an unfair business practice and quite honestly extremely unethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93291
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I just received a collections letter for a card that I never applied for or used, that is apparently from back in XXXX for a balance due now of {$5500.00}. I never graduated high school and have never had a job or income in my entire life. So don't understand how I could have gotten a card with no income or credit and be held responsible for it XXXX years later! I do not owe this debt! I have never had or applied for a credit card in my entire life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Closing on a mortgage
Subissue: Delays with the closing process
Consumer Complaint: XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX appointment with XXXX XXXX for notary services. I was running 10 minutes late to my appointment ; my mom who was also joining me arrived 40 minutes early and notified XXXX that I would be late. I tried calling the bank branch but it went to an automated voicemail service with no representatives available. I spoke with XXXX over the phone ( speaker phone from my mom 's cell phone ) ; she was hesitant from the beginning and asked what kind of documents were needing to be notarized. I told her it's deed paperwork. She said that banks " typically don't do deed notarizations '' to which I responded that I know that is not true since the previous notarization of the deed for the same property was done through Bank of America in XXXX. XXXX did not have a response for this. When I arrived, XXXX took my mom and me into her office. We reviewed the documents. She said there were too many documents to complete before the XXXX closing. She kept complaining about the number of documents and that banks don't complete notaries for deeds. We again had the same discussion that her remarks made no sense because we've had several real estate documents notarized through banks before. Because she was continuously complaining, we asked for her manager. She said her manager is gone for the day. She then got up and went and brought one of her co-workers ( who was another notary ), XXXX XXXX. XXXX and XXXX reviewed the documents. They said they could complete only one document given they were going to close in 15 minutes and that I would have to reschedule for notarization of the rest of the documents. I expressed to them my concern that because the attorney who prepared the deeds wrote " XXXX '' on all the documents, I would not be able to reschedule the appointment ( which was on XX/XX/XXXX and the next day would be XXXX ). XXXX reassured me that she would take care of it the next day and that the writings by the attorney who prepared the deed and wrote " XXXX '' could be addended to reflect XXXX by the notary ( which would have been XXXX the next day of XX/XX/XXXX ). My mom and I agreed to reschedule the appointment. XXXX informed us that the appointment would have to be for an hour given the number of documents. She scheduled us for XXXX. XX/XX/XXXX : The next day, we arrived at Bank of America at XXXX. When we walked in, XXXX was standing at the front with three additional BoA employees including her manager, XXXX. XXXX was very rude and said we were ten minutes late and she would not be able to accommodate our appointment. By this time, I looked at my phone and it was XXXX ( eight minutes after the appointment which should have been scheduled for an hour as per what XXXX had told us the day before ). The manager, XXXX, then started to ask my mom and me what the documents are that we are bringing and without hearing anything from us or seeing the documents, expressed that she was unsure if her notaries could help us. It was from these comments that it became obvious that XXXX and XXXX had already discussed this with their manager XXXX before we arrived. I asked XXXX to identify herself and her role. She said she's the bank manager. I asked her to take my mom and me to a private room to talk instead of discussing private matters in a bank lobby. She took us back to XXXX 's office. I explained to XXXX that the animosity and refusal to notarize deeds that have been prepared by an attorney ( with attorney letterhead and letter on documents and contact information all provided to the bank ) was very perplexing. It was too obvious that XXXX and XXXX were implying an aura of suspicion. They were refusing to provide notary services. XXXX responded that they have to know what they are notarizing. I brought to XXXX 's attention that XXXX and XXXX reviewed the documents the day prior and agreed to notarize. That is why the appointment was rescheduled to the next day. XXXX expressed that she " can not force her staff to notarize if they 'do not feel comfortable ' notarizing a document. '' I asked XXXX to provide Bank of America 's policy showing that even if a document is prepared by an attorney and is a legal document, the Bank of America notary an refuse to notarize if they " feel uncomfortable. '' She could not provide this information. She then said she can have her staff notarize one document since it was nearing XXXX ( and again, we were supposed to have an hour long appointment but XXXX reserved another thirty minute slot ). She went to speak with her staff. At this time, my mom and I had enough and were so confused and perplexed that we were being treated this way by this Bank of America branch. We were essentially denied notary services from the beginning when I spoke with XXXX over the phone. She again was hesitant in person even after reviewing the documents. Her inexplicable hesitancy transpired over to XXXX and then to their manager XXXX the next day. My mom and I are still very perplexed by the whole experience with notary services at this Bank of America branch. It was the worst experience. We were essentially denied a public service ( even though I am also a Bank of America customer ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: The bank forced closed my account please notice the XXXX XXXX XXXX to find the fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76010
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a USPS money order in the amount of {$440.00} at a Bank of America ATM in XXXX XXXX on XX/XX/year>. I received a notice after that it was subject to a Deposit Hold until XX/XX/year> at XXXX XXXX Reg CC is very clear that banks must make USPS money orders available the next business day for an in-person deposit or the second business day if deposited at an ATM owned by the bank. That's what I did, so it should have been available today, XX/XX/year>. None of the exceptions listed in the rules apply here. I called Bank of America 's customer service and they wouldn't release the hold, nor tell me why it was in place, other than " It's our policy to hold money orders and checks to verify funds. '' I told the supervisor to whom I asked to speak that the law requires cashier 's checks under certain circumstances and postal service money orders to be treated differently, and he said they don't. I was astonished that he'd admit to me that they break the law. I finally asked to speak to the legal department, as I'm an XXXX, and they would not talk to me. Finally, as you can see in the attachments, the money order has cleared, so they have no basis for holding the deposit, as the possibility of collectibility isn't an issue here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33432
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Of all my XXXX CDs with the bank, so far I only received XXXX '1099 ' in the mail ( for XXXX ). I was able to download XXXX '1099 's online including the one I received in the mail. This morning I logged in online searching for the missing '1099 ' for the CD ending XXXX Under the Paperless Setting, I found all my other accounts except for this particular CD. I called around XXXX XXXX and talked to an associate. Initially, she was not able to see what I see. She told me to do a few steps and then she was able to see what I see. She saw the problem but she couldn't find what caused the problem. She asked me to hold and she talked to the bank 's CD department. After a brief hold, she told me the CD department told her that they have nothing to do with that '1099 ' being missing and asked her to talk to the '1099 ' department. She asked me to hold. Then suddenly the phone was re-routed to the general line. A different person picked up the phone and asked me what I want. After on the phone for more than XXXX XXXX XXXX do I need to repeat myself and explain the problem all over again?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Bank of America has sued me for an alleged debt. Bank of America never sent me documentation to validate the alleged debt. Bank of America used substitute service ( NOT personal service ) to serve the Summons & Complaint on my mail service. The individual served was not informed as to the nature of the documents being served. Personal Service was NEVER attempted at my residence or place of business. Plaintiff never obtained permission from the Court to perform substitute service. The individual served was not and is not an authorized representative for service of process. The court where the lawsuit was filed is a 30 minute drive away with reliable transportation. I lack reliable transportation. There is a XXXX Courthouse ( the XXXX XXXX XXXX ) within walking distance of my home. The action should have been filed there. Plaintiff is fully aware and has been given documentation to prove that even if Plaintiff is successful in obtaining Judgment in its favor, I can in no way make restitution. I am turning XXXX XXXX XXXX. I am XXXX XXXX. I am XXXX and XXXX XXXX. I am retired. I am unable to work. My sole income source is SSI. I rely on SNAP ( food stamps ) and Section 8 Housing for my subsistence. I own no real estate or luxury items or liquidable assets. I HAVE NO COLLECTIBLE ASSETS but the Plaintiff continues to harass me with the present lawsuit. I can not afford legal representation. I am having to fumble through this lawsuit on my own. It is costing me in ways I can not afford : mentally, physically, and financially. Plaintiff is in violation of the Fair Debt Collection Act/Rosenthal Act. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A